MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM9 ABS-15G
Exhibit 99.5 - Schedule 6
| Loan Number | Seller Loan Number | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception ID | Exception Type | Exception Category | Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS/Morningstar) | Initial Credit Grade (DBRS/Morningstar) | Initial Property Valuation Grade (DBRS/Morningstar) | Initial Compliance Grade (DBRS/Morningstar) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (Kroll) | Initial Credit Grade (Kroll) | Initial Property Valuation Grade (Kroll) | Initial Compliance Grade (Kroll) | Initial Overall Grade (Moodys) | Initial Credit Grade (Moodys) | Initial Property Valuation Grade (Moodys) | Initial Compliance Grade (Moodys) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS/Morningstar) | Final Credit Grade (DBRS/Morningstar) | Final Property Grade (DBRS/Morningstar) | Final Compliance Grade (DBRS/Morningstar) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (Kroll) | Final Credit Grade (Kroll) | Final Property Grade (Kroll) | Final Compliance Grade (Kroll) | Final Overall Grade (Moodys) | Final Credit Grade (Moodys) | Final Property Grade (Moodys) | Final Compliance Grade (Moodys) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Grade (S&P) | Final Compliance Grade (S&P) |
| 10250669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/05/2026 | Resolved | XXX | Property | Desk Review Variance > 10% | Appraisal Review variance of XXX% > XXX% maximum allowed. | XX/XX/XXXX: BPO for review | 4/14/2026 | XX/XX/XXXX: BPO RECEIVED | 04/14/2026 | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10161309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10220538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10287865 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/14/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10250648 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/15/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Exception waiver | 05/19/2026 | XXX months reserves greater than program requirement, FICO XXX points greater than program requirement, VOR/VOM XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 10220586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/29/2026 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Provided Preliminary Title is missing coverage amount and Lender's name with XXX verbiage. Please provide updated Title Insurance or Title supplement. | XX/XX/XXXX: Title uploaded | 6/2/2026 | XX/XX/XXXX: Received Title | 06/02/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10287866 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/11/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10323525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/26/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10090326 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/03/2026 | Cleared | XXX | Credit | Unacceptable Mortgage History | Missing evidence the borrower is an experienced investor, per program guideline requirements. No other mortgages are listed on the 1003 and it's also not referenced by the UW on the XXX | XX/XX/XXXX: Explanation provided | 3/13/2026 | XX/XX/XXXX: Explanation provided is supported with the documents in file | 03/13/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10318335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/30/2026 | Cleared | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10329043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/09/2026 | Acknowledged | XXX | Property | Desk Review Variance > 10% | Appraisal Review Variance of XXX% < XXX% Threshold. Appraisal reflects XXX while BPO reflects $XXX. | XX/XX/XXXX: Automatic Waiver, BPO value used to qualify | 6/12/2026 | XX/XX/XXXX: Automatic Waiver, BPO value used to qualify | 06/12/2026 | DSCR > XXX Qualifying FICO XXX mons reserves | C | B | C | B | A | A | C | B | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A |
| 10329052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/12/2026 | Cleared | XXX | Property | Appraisal Review - Missing | Missing BPO for subject property: XXX | XX/XX/XXXX: BPO uploaded | 6/15/2026 | XX/XX/XXXX: BPO uploaded | 06/15/2026 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10161262 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10065743 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/23/2025 | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear | XX/XX/XXXX: Clear | 12/23/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 10065798 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Acknowledged | XXX | Property | Ineligible Property – Square Footage | Subject Property square footage is XXX square feet for Unit #XXX. Minimum square footage for XX/XX/XXXX units is XXX square feet per guidelines. | XX/XX/XXXX: Management waived with compensating factors XXX FICO, 65% LTV with max XXX% XXX | XX/XX/XXXX: Waived | 01/21/2026 | XXX FICO, 65% LTV, XXX x XXX x XXX | C | B | C | B | A | A | C | B | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | |
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 4/16/2026 | 04/16/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Closing Protection Letter Missing or Defective | Missing CPL on file | XX/XX/XXXX: Please see attached CPL | 4/29/2026 | XX/XX/XXXX: Received | 04/29/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 4/16/2026 | 04/16/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 4/16/2026 | 04/16/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Missing title report on file | XX/XX/XXXX: See attached title docs | 4/23/2026 | XX/XX/XXXX: Received | 04/23/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines. | 4/16/2026 | 04/16/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines. | 4/16/2026 | 04/16/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/20/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 4/20/2026 | 04/20/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/20/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 4/20/2026 | 04/20/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/22/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 4/22/2026 | 04/22/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/21/2026 | Resolved | XXX | Property | Hazard Insurance Missing or Defective | $ XXX Hazard Insurance Coverage < $ XXX Minimum Required. | XXX allows for coverage to equal the lesser of the loan amount or XXX% of the replacement cost. The declaration page with foremost does not State Actual Cash Value, and XXX guidelines support assuming the policy is written to replacement cost. XX/XX/XXXX - Please see attached policy. DSCR follows XXX guidelines. We only exclude a policy or require additional information if it States Actual Cash Value or any of the other examples of XXX red flags. If the policy lacks any of these XXX indicators, no additional information is required. XX/XX/XXXX - Please see the uploaded documentation from XXX. They retired requiremesnts related to documented replacement cost. The policy has no red flags that would require additional docs. | 5/4/2026 | XX/XX/XXXX: Agreed. XX/XX/XXXX: Per XXX selling guide, "The lender or servicer must verify that the property insurance coverage amount for a first mortgage secured by a one- to four-unit property is at least equal to the lesser of: XXX% of the replacement cost value of the improvements as of the current property insurance policy effective date, or the unpaid principal balance of the loan, provided it equals no less than XXX% of the replacement cost value of the improvements as of the current property insurance policy effective date. The source that the lender or servicer uses to verify the coverage amount may be the property insurer, an independent insurance risk specialist, or other professional with appropriate resources to make such a determination. This may include, but is not limited to, a Statement from the insurer or other applicable professional, a replacement cost estimator, or an insurance risk appraisal. If the coverage amount does not meet the minimum required, coverage that does provide the minimum required amount must be obtained." Please provide documentation to verify replacement cost. XX/XX/XXXX: Disagree; policy dec page should reflect/State actual vs replacement cost value. Please provide documentation to verify HOI policy was written to replacement cost value. | 05/04/2026 | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/21/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 4/21/2026 | 04/21/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/22/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 4/22/2026 | 04/22/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/22/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 4/22/2026 | 04/22/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/05/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/5/2026 | 05/05/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/05/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/5/2026 | 05/05/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/08/2026 | Acknowledged | XXX | Credit | DSCR Minimum Not Met | XXX DSCR < XX/XX/XXXX minimum DSCR required. Monthly breakdown: XXX Income / XXX P&I + XXX Hazard + XXX Tax + XXX HOA. Utilizing lease agreement in file as qualifying income. | XX/XX/XXXX: Exception approval provided | XX/XX/XXXX: Exception approval received XX/XX/XXXX: Documentation supporting XXX per monthnth HOA is not sufficient. Please provide HOA community or appraiser documentation to verify monthly HOA fee. | ~XXX months PITIA reserves XXX FICO Mortgage history dating back to XXX with no adverse remarks No adverse remarks on the credit report on any kind | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines | Please see documentation supporting XXX in HOA dues, It appears you are incorrectly using XXX in HOA. Using the correct amount means we have a ratio over XXX | 5/6/2026 | 05/06/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines | 5/6/2026 | 05/06/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/6/2026 | 05/06/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/6/2026 | 05/06/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/06/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/6/2026 | 05/06/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/07/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/7/2026 | 05/07/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/07/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/7/2026 | 05/07/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/07/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/7/2026 | 05/07/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/08/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/8/2026 | 05/08/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/08/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/8/2026 | 05/08/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/08/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/8/2026 | 05/08/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/08/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/8/2026 | 05/08/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/08/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/8/2026 | 05/08/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/08/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/8/2026 | 05/08/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/08/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/8/2026 | 05/08/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/13/2026 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Title commitment policy in file only reflects Schedule A. Please provide full executed title policy. | XX/XX/XXXX: Please see attached final title policy. | 5/14/2026 | XX/XX/XXXX: Received | 05/14/2026 | D | A | C | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/13/2026 | Resolved | XXX | Property | Flood Insurance Missing or Defective | Missing Flood Insurance For Subject Property: XXX/XXX | XX/XX/XXXX: Please see the attached flood insurance policy. | 5/14/2026 | XX/XX/XXXX: Received | 05/14/2026 | D | A | D | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/12/2026 | 05/12/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/14/2026 | Resolved | XXX | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter (CPL). Non-XXX Close refinance transaction. | XX/XX/XXXX: attached | 5/20/2026 | XX/XX/XXXX: Received | 05/20/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/14/2026 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Missing title insurance policy for subject property: XXX #XXX-XXX | XX/XX/XXXX: attached | 5/19/2026 | XX/XX/XXXX: Received | 05/19/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/13/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/13/2026 | 05/13/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/13/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/13/2026 | 05/13/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/13/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/13/2026 | 05/13/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/14/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/14/2026 | 05/14/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2026 | Resolved | XXX | Credit | Insufficient Assets to Close | Missing evidence of XXX tax deferred exchang reflected on URLA. XXX verified liquidity < XXX minimum liquidity required. | Please see the attached XXX exchange documents. | 5/20/2026 | XX/XX/XXXX: Received | 05/20/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2026 | Rescinded | XXX | Credit | DSCR Minimum Not Met | XXX DSCR < XX/XX/XXXX minimum DSCR required. Monthly Breakdown: XXX Income / XXX P&I + XXX Hazard + XXX Taxes. Utilizing lease agreement rent as qualifying income. | 5/19/2026 | 05/19/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/19/2026 | 05/19/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/19/2026 | 05/19/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/19/2026 | 05/19/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/19/2026 | 05/19/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/19/2026 | 05/19/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2026 | Resolved | XXX | Credit | Insufficient Assets to Close | XXX verified liquidity < XXX minimum liquidity required. Please provide additional assets. | XX/XX/XXXX: Please see attached account summary showing assets from XXX exchange. | 5/20/2026 | XX/XX/XXXX: Received | 05/20/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/20/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/20/2026 | 05/20/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10307892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/19/2026 | Resolved | XXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 5/19/2026 | 05/19/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A |